Brand Finance

Land Rover Finance

British off-road luxury

5.9%
Typical APR
24–48
Months
2
Finance products

About Land Rover Finance

Land Rover is a premium British brand specialising in luxury and off-road capable SUVs, commanding approximately 3.0–3.6% of the UK new car market as of 2025. Its target demographic consists of high-net-worth individuals, professionals, and affluent families. The manufacturer's captive finance arm operates under the trading name Land Rover Financial Services, which is a trading style of Black Horse Limited, a subsidiary of Lloyds Banking Group. Because Land Rover models retain high residual values, PCP is heavily favoured — the strong guaranteed minimum future value defers a large portion of the cost, significantly reducing monthly payments compared to HP.

Finance Facts

Finance provider Black Horse Limited (Lloyds Banking Group)
Products
  • Personal Contract Purchase (PCP) (PCP) — Monthly payments cover predicted depreciation, with an optional balloon payment at end of the 1–4 year term.
  • Hire Purchase (HP) (HP) — Fixed monthly payments cover the entire vehicle cost, resulting in outright ownership at end of term.
Representative APR 3.9% – 5.9% (typical 5.9%, as of 2026-04)
5.9% APR for Range Rover D300 SE; promotional 3.9% on select models like the Range Rover Velar.
Term range 24 – 48 months

APR Comparison

How Land Rover’s representative APR compares to UK personal loans (BoE) and the broker market average.

Land Rover's typical 5.9% APR is higher than UK personal loans (~4.1%) and the broker average (~3.95%). Buyers with excellent credit could secure cheaper unsecured borrowing from a high street bank. Promotional rates down to 3.9% exist on specific models.

Customer Sentiment

1.3/ 5 from 1,244 Trustpilot reviews

Common positives

  • + Great service throughout the EU
  • + Better build quality than 10–15 years ago

Common complaints

  • − Recurring reliability issues
  • − High costs for repairs and services

Data as of 2026-04-11

Regulatory Notes

  • 2024: The FCA announced a major industry-wide review into historical discretionary commission arrangements (DCAs). Black Horse Limited (provider of Land Rover Financial Services) is included. [source]

Calculate Your Land Rover Finance

Run any Land Rover price through all three finance modes. See monthly payment, total payable, and total cost of credit side by side.

Your details

£
£
months
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PCP result

Total Amount Payable

£29,386.98

This is the total that leaves your account — deposit + all payments + balloon

Representative Example

On-the-road price£25,000.00
Customer deposit£3,000.00
Amount of credit£22,000.00
Number of monthly payments48
Monthly payment£341.40
Optional final payment£10,000.00
Total amount payable£29,386.98
Total cost of credit£4,386.98
Representative APR6.9%
Annual mileage10,000
Compare all three finance types for this car